Covered California, the state's health benefit exchange, yesterday announced a rate structure for its health insurance plans that came in at a much more affordable price than first projected.

That was great news for exchange officials and it accounted for much of the pomp around that rare circumstance during yesterday's announcement.

"This is really a great day for California," said Diana Dooley, secretary of the state's Health and Human Services agency and chair of the Covered California board. "We have come a long way and we have a long way to go," she said. "We are moving to make Californians healthier and give them the financial security they need."

At the same time, the exchange also needed to announce that premiums would increase for many people who don't qualify for federal subsidies. In the case of Blue Shield of California, the average base rate will increase 8% and the overall rate increase will total 13%, according to Blue Shield's president and COO, Paul Markovich.

"People are going to have a change in rates," Markovich said. "On average, our members will experience an 8% increase. That's an 8% core cost. Including fees and taxes and higher benefits, that becomes 13%. That's a Blue Shield-specific number."

That left exchange officials in a somewhat awkward spot, needing to announce that premiums would rise but as much as expected.

"We looked a lot at the rates. And all the predictions have been that rates are going to skyrocket," said Peter Lee, executive director of Covered California. Rates are going up at a far lower rate than the Milliman study predicted they would, Lee said, referring to a study commissioned by the exchange board, in part, to estimate premium cost.

"What we've heard again and again is that Californians want to protect their families."

That's where possibly the greatest benefit of the exchange comes in: Not only will the number of covered people rise and include Californians with pre-existing conditions, but the level of essential benefits is much higher than it has been in the individual and small-group markets.

"No marketplace has been more dysfunctional than this [individual and small-group health insurance] market," said Betsy Imholz, director of the West Coast office at Consumers Union. "With all of the exclusions and gimmicks and gotcha's, to date I would say it's been a pretty messy marketplace."

That now has changed, Imholz said.

"This is a significant step toward fixing that problem," Imholz said. "By Oct. 1, consumers can shop around and see what all of the options are. If there's one takeaway message here, it's that people now know they can come to Covered California and get affordable, quality health insurance. … So consumers don't have to dread the prospect of getting health insurance."

"Across the nation, we've heard the gloom and doom pronouncements, of how premiums were going to rise dramatically," Lee said. "But the big news today is, we've hit a home run for California consumers … to offer high-quality health insurance at affordable rates for Californians."

Lee said Covered California would announce health plans and rates for the small business market sometime in June.

For vital information on buying health insurance for children with preexisting medical conditions and changes brought by the health reform laws, read this Los Angeles Times article.

11.29.10

Medicare Formulary Changes in 2011

Background:

A change in the law (Health Care Reform) requires companies that make brand-name prescription
drugs to give a discount on those drugs to Medicare. Beginning January 1, 2011, prescription drugs
made and sold by companies that have not agreed to give a discount to Medicare can no longer be
paid for by Medicare Prescription Drug Plans.

Starting in January these prescription drugs will not be covered by Medicare. This is because the
companies that make these prescription drugs did not agree to give a discount to Medicare. No
Medicare Prescription Drug Plans (or Medicare Advantage plans) including CIGNA Medicare Rx (PDP)
can pay for these prescription drugs at all, or give an exception.

CMS recently provided information so Plans could determine which drugs must be removed from
their list of covered drugs. Starting in January, 2011 the prescription drugs in the tables below will
no longer be covered by the CIGNA Medicare Rx Plans. No Medicare Prescription Drug Plans
or Medicare Advantage Plans will be able to pay for these prescription drugs at all, or give
an exception.

Individuals can continue to pay for these prescription drugs on their own if they choose.

If individuals continue to pay for these prescription drugs on their own, the costs will not count
towards the Medicare Prescription Drug Coverage out-of-pocket spending.

The medications on this list are used by a negligible number of the Medicare population. CIGNA
found that only 63 of our 500,000+ Part D customers had recently used these medications.
This is only .01% of our Part D customers.

If a manufacturer did not sign the agreement and some of their medications are made by
another manufacturer, the pharmacy will automatically make the change when it is time for
a refill. Since it is the same medication (just a different manufacturer), there is no impact to
the customer. The list below does not include these medications as there is no disruption.

What impacted Medicare beneficiaries should know:

CIGNA Medicare Rx Plan (PDP) covers many other prescription medications that may be right for
a beneficiary’s health condition. A Medicare beneficiary needs to talk to their doctor about using
another prescription drug(s) on the CIGNA Medicare Rx Plan list of covered drugs (unless they want
to pay on their own). No Medicare plan will be paying for these medications starting 1/1/2011.

Impacts all Medicare plans:

Since all PDP plans are making this change, this is not a negative to CIGNA's position versus other
PDP plans. Medicare Advantage (MA PD) plans also will not pay for these drugs.

Impact on Current Customers:

CIGNA customers who are taking the medications listed below will be notified with a letter from CIGNA
by the end of November. The letter will inform them that as of 1/1/2011 the medication will no longer be
covered and they should seek alternative medications if they want Medicare to pay. For the
CIGNA Medicare Rx Plan, only 63 individuals will receive these letters.

Revising Customer Formulary Documents:

New formulary documents will be used in New Member kits starting in a few weeks.

The new documents will have “11/2010” as the date last updated on the cover.

The CIGNA website (where you can enter a list of medications and see it they are covered)
was updated earlier this month on November 12th.

Revising Producer Formulary Documents:

All formulary documents on the producer portal have been updated. This includes the Producer
Abridged Plan One & Two side-by-side formularydocument, which is now located on the producer
web portal. This document is for Producer use only:

It is formatted for your ease to compare Plan One and Plan Two covered medications.

The updated document is on the web portal if you choose to download the document.
See the “Download Marketing Materials” section.

This document is provided to all Producers in the “Welcome kit” after they complete
CIGNA Medicare Rx training. The new document has the “last updated” date of 11/2010.

It is for Producer reference only, and is NOT to be given to customers because it does not
meet the CMS formatting requirements for the beneficiary formulary document.

07.29.10New Guide to Health Reform Now Available to Employers Throughout California

(Yahoo
Finance) Orange, CA. - A new booklet
designed to help California employers understand
and prepare for the dramatic changes being brought about by health reform is
now available to business owners throughout the state, free of charge. It can
be obtained by contacting marketing@choiceadmin.com.

The booklet
has been prepared by The Word & Brown Companies, CHOICE Administrators®
Exchanges’ parent company and the nation's leading developer and administrator
of consumer-choice health insurance exchange models.

“Our goal is
to provide simple answers to health reform’s complex issues so that employers
better understand the principal changes that are coming about,” said CHOICE
Administrators President Ron Goldstein. “It is important that employers get
ready for these changes, take advantage of new tax benefits and tax credits,
and prepare for the new employer requirements as established by law.”

One of the
most significant aspects of health reform, as discussed in the new booklet, is
the mandating that every state establish a health insurance exchange by January 1, 2014. Such programs promote choice and make health
insurance more affordable by allowing an individual or small business to
compare the costs and benefits of various health plans while accessing
available subsidies and tax credits.

CHOICE
Administrators has been successfully operating such exchange models since 1996;
and its flagship product, CaliforniaChoice®, is America’s oldest and most
respected healthcare exchange for the small and mid-size employer market. “This
experience provides us with a unique view on the future of the marketplace, and
that perspective is a big part of what we want to share with employers through
this Health Reform Guide,” said Goldstein.

The new guide
also provides answers to such questions as “Will my current health plan
benefits change?”... “Will I pay more or less for insurance coverage?” ...
“Will I be required to provide employees with health insurance?” In addition,
the guide includes a simple time line of “What happens when ...” along with the
“10 things every employer should know about health reform.”

Goldstein
recognizes that a great many parts to the new legislation have yet to be worked
out, with many awaiting procedural guidelines from various government agencies,
including the state. So while he believes that it’s not too soon for employers
to become educated and aware of the changes, he strongly urges that employers
work with a licensed health insurance broker to help in the process.

“Ultimately
working with a licensed and trusted broker is the best way to make sure that
business is properly prepared for the new realities. Brokers can also answer
any questions regarding changes to benefits, how to select the right health
plan, and how to keep your employees and your business healthy and strong,” he
says.

BizPlan, a medical
reimbursement plan based on Internal Revenue Service Code Section 105, has
helped tens of thousands family farmers and small business owners receive 100
percent deductibility of their family medical expenses for over 30 years. In
2008, the average BizPlan client had a total tax savings related to their
healthcare premiums and out-of-pocket medical expenses of $4,031.

Every year, TASC,
the third-party benefits administrator of BizPlan, collects medical expense
information from clients as part of the adjudication process, which is a
necessary step to ensure compliance with IRS
regulations. TASC checks the eligibility of each expense and ensures that each
BizPlan client has stayed within the limits they pre-set for their Plan.

Thanks to this system, TASC is able to
track the costs of health care for nearly 30,000 small business owners and
their families. Those findings reinforce
those of countless other studies: the cost of health insurance has increased
dramatically over the years. In 2001,
the BizPlan client paid $4,576 on average a year for their family’s health
insurance. By 2008, that average had
risen to $6,719 a year, an increase of nearly 47%.

In 2001, the average BizPlan client
reported $3,236 in uninsured medical expenses.
By 2008, that average had jumped to $4,719, an increase of 46%. When added to their health insurance
premium, the total healthcare costs for BizPlan clients grew from $7,812 annually
in 2001, to $11,516 in 2008, an increase of 47%.

BizPlan clients use a legitimate,
proven plan to reduce their medical debt, which reduces the financial strain of
increasing medical costs on the family budget. Those without BizPlan can deduct
100 percent of their medical insurance premiums on their Federal taxes only.
BizPlan clients experience a 100 percent deduction of their medical premiums
and non-insured medical expenses on
their Federal, State and Self-employment taxes.

The moral of the
story? Enroll in BizPlan as soon as
possible. BizPlan has a solid history of
being a reliable hedge against the rising costs of healthcare.

While many people are aware the
cost of healthcare continues to rise, they might be surprised to learn just how
significantly costs increase each year. According to the Kaiser Family
Foundation in their March 2009 Trends in
Health Care Costs and Spending, health insurance premiums have consistently
grown faster than inflation or workers earnings in recent years. This report
gives us the startling statistic that between 1999 and 2008, the cumulative
growth in health care insurance premiums was 119%, compared with cumulative
inflation of 29% and cumulative wage growth of 34%.

The figures cited above do not
take into account the added cost of non-insured health care expenses which
families pay for out of their pockets. Examples of out-of-pocket expense are
deductibles, co-payments, and over-the-counter medications.

In a Kaiser Health tracking
poll conducted in February 2009, one in five families reported serious
financial problems due to family medical bills. Consider some of the other
finding of this poll.

·21% did not fill
a prescription for medicine

·23% skipped a
recommended test or treatment

·27% put off or
postponed getting health care they needed

·35% relied on
home remedies or over-the-counter drugs instead of going to see a doctor

Is there a better way to
reduce the cost of healthcare without reducing or eliminating healthcare
itself?

Between November 15 and December 31, 2009 Medicare recipients will have an opportunity to make changes concerning their prescription drug coverage under Medicare Part D for 2010. The open enrollment period will allow policy holders, as well as those enrolling for the first time; to be sure they have the coverage which best fits their needs.

Private companies on a yearly basis revise the plans they offer to position themselves in the market to entice new clientele. For Medicare Part D recipients, this creates the necessity to evaluate if the plan they are currently enrolled in is the best option for them in 2010. Beneficiaries may find significant differences between the coverage they have in 2009 as compared to 2010 if the stay with the same company in respect to the prescription drugs they cover (the formulary), the terms and cost of the coverage.

In 2010 there will be 46 stand alone plans of which a majority offer enhanced benefits (over and above what the Medicare contract requires). The plans premiums range from $20.80 to $104.10. The plans have various deductibles with the highest being $310.

Each Medicare recipient has a unique "prescription profile" (the prescription drugs they take, the dosage and frequency they take the medication), so what plan is appropriate for one person may be significantly different for another person. It is important that individuals check out plans which fit their personal situation.

Individuals who enrolled in a Medicare Prescription Drug policy in 2009 should have received a notice from their company informing them of their 2010 Policy coverage and premium. If individuals had a policy that does not cover a prescription drug they take; if they met the donut hole; if their plan formulary is changing; or if there will be a premium increase, they certainly want to explore 2010 coverage and premium options from all companies offering policies.

Participation in a Medicare Part D policy is optional; individuals who did not select a plan during their initial open enrollment and who do not have "credible coverage", will face a 1% per month penalty added on to their premium for the months they did not enroll when eligible. This penalty will be added on to the premium if they choose to enroll in a Part D Policy for the remainder of their life. The penalty is based on the National Average Premium. Individuals who have not enrolled who have been eligible for coverage since May of 2006, and are not currently covered by "credible coverage", will face a 43% ($13.76) penalty added on to their monthly premium if they choose coverage for 2010. If they do not choose coverage during the open enrollment (November 15 - December 31, 2009), they will not be able to select coverage until open enrollment late next year and will then face a 52% premium penalty for coverage beginning in 2011 unless they qualify for the Low Income Subsidy.

A Low Income Subsidy is available for individuals with limited income and resources. Guidelines for assistance are for those with incomes below $16,245 for a single person and $21,855 for a couple. Resource limits (checking, savings, CD's, investments) are $12,510 for a single and $25,010 for a couple. In most instances individuals/families need to complete an application requesting assistance. Assistance for qualifying individuals is provided in reduced or no premium, and limited/reduced prescription drug cost. Individuals can apply for the Low Income Subsidy at any time during the year through the Social Security Administration, and if they qualify for assistance they can select/change to an appropriate prescription drug policy at that time.

Individuals who currently receive the low income subsidy may have received a letter from the Social Security Administration asking if there has been a change in their resources or income. If changes have been made they may need to reply to the letter sent and subsequent requests. Failure to reply to subsequent requests may result in withdrawal of their low income subsidy.

Individuals or families looking to sort through options have a number of resources to turn to. Part D Insurance policies may be sold/marketed through local insurance agents. If individuals purchase a policy from a local agent they want to know if that agent compared their policy options among all companies, or a selected number as policy coverage and premiums vary significantly.

Back to Top
05.01.2009Medicare Supplement (Medigap) Standards Are Changing in 2010

As you may know, all Medicare Supplements are
standardized by the Federal Government. There are currently twelve
plans, lettered A through L. No matter what company you go to, a plan
with the same letter designation is exactly the same. CMS has recently
announced changes to the these standards. These changes will apply to
plans that are effective on or after June 1, 2010. Here is an overview
of the changes.

1. They have added Hospice coverage as a Basic
''Core'' benefit to all plans. This coverage had already been added as
a basic benefit in plans ''K'' and ''L''.

2. They removed
coverage for "Preventive Care NOT Covered by Medicare" (as in plans E
and J). CMS came to the conclusion that Medicare Part B has changed to
cover many more preventive services, and the usefulness of this benefit
was greatly reduced, covering only part of an annual physical after
Medicare covered the initial physical. They also removed the "At-Home
Recovery" (as in plans D, G, I and J). They said that this benefit was
confusing and difficult to understand and administer, and changes to
Medicare had made this benefit less meaningful.

3. They created a new plan D, which is the same as the current plan D except that the "At-Home Recovery" benefit was taken out.

4.
They created a new plan G, which is the same as the current plan G
except that the 80% "Medicare Part B Excess" benefit is being replaced
by a 100% "Medicare Part B Excess" benefit, and the "At-Home Recovery"
benefit was taken out.

5. They eliminated the current E, H, I and J plans as they now duplicated existing Plans.

6. They created a new plan M, which is the same as plan D but with a 50% coinsurance on the Part A deductible.

7.
They created a new plan N which is the same as plan D with the Part B
coinsurance being paid at 100%, minus a $20.00 copay per doctor visit
and a co-pay of $50.00 for an emergency room visit, unless the person
is admitted to the hospital.

These changes to the Standardized
Plans are only for plans with an effective date after June 1, 2010. If
you currently have a plan, or purchase one before that date, your plan
will remain the same.

While many people are aware the cost of healthcare continues to rise, they might be surprised to learn just how significantly costs increase each year. According to the Kaiser Family Foundation in their March 2009 Trends in Health Care Costs and Spending, health insurance premiums have consistently grown faster than inflation or workers earnings in recent years. This report gives us the startling statistic that between 1999 and 2008, the cumulative growth in health care insurance premiums was 119%, compared with cumulative inflation of 29% and cumulative wage growth of 34%.

The figures cited above do not take into account the added cost of non-insured health care expenses which families pay for out of their pockets. Examples of out-of-pocket expense are deductibles, co-payments, and over-the-counter medications.

In a Kaiser Health tracking poll conducted in February 2009, one in five families reported serious financial problems due to family medical bills. Consider some of the other finding of this poll.

• 21% did not fill a prescription for medicine
• 23% skipped a recommended test or treatment
• 27% put off or postponed getting health care they needed
• 35% relied on home remedies or over-the-counter drugs instead of going to see a doctor

Is there a better way to reduce the cost of healthcare without reducing or eliminating healthcare itself?

BizPlan: A Study of Healthcare Savings

BizPlan, a medical reimbursement plan based on Internal Revenue Service Code Section 105, has helped tens of thousands family farmers and small business owners receive 100 percent deductibility of their family medical expenses for over 30 years. In 2008, the average BizPlan client had a total tax savings related to their healthcare premiums and out-of-pocket medical expenses of $4,031.

Every year TASC, the third-party benefits administrator of BizPlan, collects medical expense information from clients as part of the adjudication process, which is a necessary step to ensure compliance with IRS regulations. TASC checks the eligibility of each expense and ensures that each BizPlan client has stayed within the limits they pre-set for their Plan.

Thanks to this system, TASC is able to track the costs of health care for nearly 30,000 small business owners and their families. Those findings reinforce those of countless other studies: the cost of health insurance has increased dramatically over the years. In 2001, the BizPlan client paid $4,576 on average a year for their family’s health insurance. By 2008, that average had risen to $6,719 a year, an increase of nearly 47%.

In 2001, the average BizPlan client reported $3,236 in uninsured medical expenses. By 2008, that average had jumped to $4,719, an increase of 46%. When added to their health insurance premium, the total healthcare costs for BizPlan clients grew from $7,812 annually in 2001, to $11,516 in 2008, an increase of 47%.

BizPlan clients use a legitimate, proven plan to reduce their medical debt, which reduces the financial strain of increasing medical costs on the family budget. Those without BizPlan can deduct 100 percent of their medical insurance premiums on their Federal taxes only. BizPlan clients experience a 100 percent deduction of their medical premiums and non-insured medical expenses on their Federal, State and Self-employment taxes.

The moral of the story? Enroll in BizPlan as soon as possible. BizPlan has a solid history of being a reliable hedge against the rising costs of healthcare. To learn more about how you can participate in this significant tax savings, please see Group plans.

Consumers shopping for health insurance today face more choice, complexity, and financial exposure than ever before. In an increasingly uncertain world, what they are really seeking is peace of mind in their choices. Insurers that address the emotional needs and biases embedded in the typical consumer’s behavior will be successful in creating and distributing effective products, earning the consumers’ trust, providing a more satisfying shopping experience, and, ultimately, helping consumers better manage their health.

Back to Top
3.24.09Few individual health policies cover maternity
This article appeared on page A - 1 of the San Francisco Chronicle

The number of individual health insurance policies that do not include maternity coverage has risen dramatically in recent years, prompting concern among consumers and a legislative effort to require California insurers to include the benefit.

About 805,000 Californians have insurance policies that specifically exclude maternity coverage - a number that has more than quadrupled from 192,000 in 2004, according to the California Health Benefits Review Program, which provides independent analysis of proposed health insurance benefits mandates.

"You see this tremendous jump in just a few years. That's where we're going with this," said Assemblyman Hector De La Torre, D-South Gate (Los Angeles County), whose bill to require maternity coverage is headed to the Assembly Health Committee today. Insurance companies are "pushing these policies clearly onto people, and people are making their decisions based solely on dollars and cents."

As more people lose their jobs - and along with that, their health insurance benefits - an increasing number are expected to turn to the individual health insurance market for coverage, an option that is usually less expensive than paying to stay on their former employers' health plans.

De La Torre's bill, AB98, would require all health insurance products regulated by the state Department of Insurance to include maternity benefits. Gov. Arnold Schwarzenegger vetoed a similar bill authored by De La Torre last year as well as one introduced in 2004 by then-Sen. Jackie Speier, D-Hillsborough.

Health insurers and consumers who support the right to buy a policy that excludes maternity benefits say they shouldn't have to pay for a service they have no intention of using. They say requiring such coverage would increase premiums and force more people to go without insurance.

"Clearly there are a number of people out there who don't think they need or want a maternity benefit at this point in their lives and recognize there is a significant reduction in costs associated with this," said Ben Singer, spokesman for Anthem Blue Cross, which covers about half of the individual policyholders in the state who do not have maternity coverage. Singer said requiring the benefit could increase premiums by as much as 107 percent for some members.

Shared risk

Supporters of the mandate, however, argue that denying coverage is unfair to women and that, in exchange for an average $7.17, or 4.24 percent, increase in monthly premium price per individual policyholder, society would save money if fewer women were on government-supported programs.

De La Torre argued that excluding maternity flies in the face of the insurance philosophy of shared risk. "Why do women pay for prostate cancer? Why do men pay for breast cancer? Because that's the whole point of insurance," he said.

The controversy is limited to individual insurance coverage because group policies, those provided by an employer or group, include maternity benefits. Health maintenance organizations, or HMO plans, are required by the state to have maternity coverage, but preferred provider organization, or PPO, service plans are free to exclude the benefit.

People who buy individual plans typically do not have access to group coverage. They can be self-employed, work for an employer that does not provide health insurance or simply choose such policies as the most affordable options.

But with the growing popularity of such policies without maternity coverage - such as Anthem Blue Cross' low-cost Tonik plans, which are geared toward young adults - finding an affordable individual plan with the coverage can prove to be a daunting task.

No good options

When Wendy Root Askew of Monterey started looking for a doctor she hoped would be her gynecologist as well as deliver her future children, she was shocked to discover her health insurance policy didn't include a single OB/GYN in her county.

The 31-year-old considered changing health plans. But then she learned that while 85 percent of the plans available in Monterey County offered maternity coverage five years ago, just 15 percent offer it now.

She found only two individual policies that included maternity, but they were three to five times as much as the policy she already had and came with annual deductibles of up to $15,000.

"Who's going to be buying policy with a $10,000 or $15,000 deductible? Clearly only those women who are intending to use the service," said Askew, who went from running her own business to working for an employer that offers group health insurance. She said she made the decision in part because the job offered comprehensive health benefits.

Health insurers are not uniformly against mandating maternity benefits. Kaiser Permanente, which as an HMO is required to include maternity, has supported maternity mandates along with Blue Shield of California, which has come out in favor of De La Torre's bill. The California Association of Health Plans has not taken a position, while another insurance trade group, the Association of California Life & Health Insurance Companies, publicly opposes the bill.

Higher individual rates

Several states, including Massachusetts, New Jersey and New York, already have laws in place requiring plans to pay for maternity services.

Anthem Blue Cross' Singer said that those states have much higher rates for individual insurance coverage than California.

"The point of insurance is to insure against catastrophic care costs. That's what you're trying to aggregate and pool for such things as heart attacks and cancer," he said. "Having a child is a matter of choice. Dealing with an adult onset illness, such as diabetes, heart disease breast or prostate cancer, is not a matter of choice."

Patricia Bellasalma, president of the California National Organization for Women, noted that not all pregnancies are planned. She said some insurance companies are discriminating against women.

"The philosophy of the insurance company on maternity coverage - the only pool of risk takers are women - is that all of the obligations to pay for child bearing is born solely on the woman and not on the man and not on society, which is just outrageous," she said.

Women in California pay an estimated 39 percent more than men for coverage in the individual market. San Francisco City Attorney Dennis Herrera filed a lawsuit against the state in January over the issue. Legislation also has been introduced by state Sen. Mark Leno, D-San Francisco, and Assemblyman Dave Jones, D-Sacramento, to forbid gender rating.

A significant increase in individual health insurance policies that specifically exclude maternity benefits has prompted Assembly member Hector De La Torre (D-South Gate) to introduce a bill that would require all health insurance policies regulated by the California Department of Insurance to include maternity benefits. Gov. Arnold Schwarzenegger (R) has vetoed two similar measures.

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Back to Top3.09.09New Information About Stimulus Plan Provisions for COBRA

If you are laid off from your job, COBRA benefits allow you to maintain a relationship with your existing doctors through your current company plan for 18 months, although this option comes at a high cost—averaging $4,500 a year for an individual and $12,000 for a family.

To switch to more affordable individual policies, it’s essential that you work with a health insurance broker. You may have to select a higher annual deductible and out-of-pocket maximum than you had on your company’s health plan. Even policies with high deductibles can be worthwhile, however, because they put you into the PPO network. That gives you a discount of up to 50 percent on the bills you pay yourself.

To purchase Individual or Family Coverage however, you must pass health underwriting, which can be complicated and vary from one company to another. For help in locating a company that can give you the best deal for your situation, contact Bett today.